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Mortgage Rate Comparisons

Loan Factory vs. Wells Fargo

Rates as of Friday, July 11, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.25% (APR=6.267%)
Points/ Credits$573
Payment$1,970
Save $47,280 over 30 years

Wells Fargo

Rate6.75% (APR=6.893%)
Points/ Credits$9,693
Payment$2,076
Save $0 over 30 years

Assumptions: Purchase price: $400,000. Loan amount: $320,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Chase

Rates as of Friday, July 11, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.25% (APR=6.319%)
Points/ Credits$1,149
Payment$2,196
Save $28,376 over 30 years

Chase

Rate6.75% (APR=6.844%)
Points/ Credits$2,853
Payment$2,270
Save $0 over 30 years

Assumptions: Purchase price: $420,000. Loan amount: $350,000. ZIP code: 77072, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Citibank

Rates as of Friday, July 11, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6% (APR=6.042%)
Points/ Credits$680
Payment$899
Save $18,085 over 30 years

Citibank

Rate6.5% (APR=6.717%)
Points/ Credits$1,125
Payment$948
Save $0 over 30 years

Assumptions: Purchase price: $200,000. Loan amount: $150,000. ZIP code: 90001, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Bank of America

Rates as of Friday, July 11, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6% (APR=6.042%)
Points/ Credits$906
Payment$1,199
Save $36,100 over 30 years

Bank of America

Rate6.75% (APR=6.943%)
Points/ Credits$1,726
Payment$1,297
Save $0 over 30 years

Assumptions: Purchase price: $250,000. Loan amount: $200,000. ZIP code: 95464, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Guaranteed Rate

Rates as of Friday, July 11, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6.25% (APR=6.279%)
Points/ Credits$1,064
Payment$2,155
Save $19,864 over 30 years

Guaranteed Rate

Rate6.45% (APR=6.836%)
Points/ Credits$4,368
Payment$2,201
Save $0 over 30 years

Assumptions: Purchase price: $437,500. Loan amount: $350,000. ZIP code: 60666, Credit: 740+. Single Family Residence. Primary Residence. 30-day lock

Loan Factory vs. Better.com

Rates as of Friday, July 11, 2025 - 2:00 PM (Pacific Time)

Loan Factory Logo
Rate6% (APR=6.042%)
Points/ Credits$725
Payment$959
Save $16,515 over 30 years

Better.com

Rate6.375% (APR=6.594%)
Points/ Credits$3,200
Payment$998
Save $0 over 30 years

Assumptions: Purchase price: $200,000. Loan amount: $160,000. ZIP code: 94123, Credit: 760+. Single Family Residence. Primary Residence. 30-day lock

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